Working Capital Real Estate Loans

Purchase new premises, get bridging loans or cash out for your business against your equity.

Commerical Real Estate Loans are mainly used for purchasing a new business premises or accessing the equity in your existing property to a higher loan to value ratio (LVR) for cash out or working capital in your business.

These types of loans work the same way as a real estate mortgage, the difference being is a company is the borrower instead of the individual. Fixed monthly repayments are common, however some lenders will allow up to a full 12 months of pre-paid interest, meaning no repayments are needed in this period. Pre-paid terms are only recommended if the funds are being used to bridge a gap between a large project or sale of an asset and in a lot of circumstances a debtor/customer payment.

Realistically, if your not purchasing a property or bridging the gap between a property settlement, funds can used for any business purpose.

How real estate loans work?

Loandesk matches you to a variety of commercial property lenders. Some lenders require valuations and other don’t, depending on their level of experience in your location. Typically you can achieve up to 75% loan to value ratio (LVR) against commercial properties, with heavy industrial dropping down to 60% (LVR).

Will you qualify for a commercial real estate loan?

The qualifications for these loans are fairly simple. You must be using the funds for business purposes and borrowing the funds in a company name. Loan amounts and interest fees are dependent on the type of asset you buying or borrowing against with location taken into consideration.

Even if your credit is less than perfect, established business or just starting out, we can match you with to loan options from non-bank lenders that are eager to lend you money.

Below are qualification points to consider:

You must have a registered company (PTY LTD)

Startup businesses are considered

You can have previous defaults

You can be funded through restructures or ATO payments

Funds can be used for any purpose within your business

Property must be located in Australia

You must be an Australian resident

To confirm all qualification, you'll need to complete your profile

Financing Overview

Amount you can borrow based on:Funding is based on property values, location & class (e.g office, light industrial etc)

Loan amounts:
$50,000 – $25,000,000

Loan term:6 months – 30 years

Interest rate:5.5% – 14% per annum

Speed:As little as 5 days.

Lender options

Pre-paid interest terms available

Longest loan terms over all options

Ability to re-draw on paid down loans

Fast settlement times for Metro locations

Loan extentions can be arranged

Lack of trading history of poor financial can be approved

IMPORTANT: Property loan types vary between lenders, it’s important to understand how each lender product works to ensure you don’t pay higher rates.

GETTING STARTED

Loandesk makes finding the right lender quick & easy.

We work with a select group of carefully hand-picked lenders who are chosen based on their sound lending practices and superior customer service. Complete your profile & get matched loan options from 55+ lenders.